This is probably my fourth review and that is saying something. Even with the centralized banking system that is supposedly in place to keep banks from failing a lot of shadow banking goes on. The policies favor the banks not their customers. It's profit over the best interest of the customer. The customer service agent in the disputes department was less than moved by my situation with Ebay over a refund after canceling a purchase. A refund that I never received. Funny how at first the PURCH REFUND was recorded than seemingly it was rescinded on the line below on a mini bank statement CRD PURCHASE in the amount of $26.99 the amount of the item. So what did happen to the money? Because I don't have it. No matter what anyone thinks no institution is TBTF Too Big To Fail. I can't help but wonder where Santander is located whenever I talk with someone from their customer service department many of them barely speak English. Some are so ice cold it's a wonder that they're still breathing. The fact that this keeps happening with both Ebay and Santander and that neither is willing to investigate what happened to my refund says that neither can be trusted. So once again I've been ripped off. They both suck.
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